Taxes in Lowell, Massachusetts
Complete tax guide for Lowell, MA. State income tax up to 5%, 1.31% property tax, 6.25% sales tax. Calculate your total tax burden.
State Income Tax
5%
Massachusetts
Property Tax
1.31%
Effective rate
Sales Tax
6.25%
Combined rate
Tax Burden
High
Lowell, MA Tax Overview
Population
115,554
Median Income
$56,828
Cost of Living
108.5 (100 = avg)
State Income Tax
5%
Median Home Price
$375,000
Lowell Tax Calculator
Pre-filled with Lowell median: $56,828
Total Tax Burden in Lowell
$11,970
Take-Home: $44,858 · Effective Rate: 21.06%
Federal Tax
$4,781
8.41% eff.
MA State
$2,841
5.00% eff.
FICA
$4,347
7.65% eff.
Take-Home
$44,858
78.94% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $56,828.00 | $4,735.67 |
| Federal Income Tax | -$4,780.86 | -$398.41 |
| Massachusetts State Tax | -$2,841.40 | -$236.78 |
| Social Security (6.2%) | -$3,523.34 | -$293.61 |
| Medicare (1.45%) | -$824.01 | -$68.67 |
| Take-Home Pay | $44,858.40 | $3,738.20 |
Property Tax in Lowell
Median Home
$375,000
Annual Tax
$4,913
Monthly Tax
$409
Effective Rate
1.31%
Sales Tax in Lowell
Combined Rate
6.25%
State Portion
~3.8%
Local Portion
~2.5%
The combined sales tax rate in Lowell is 6.25%, which is below the national average of 7.12%. On a $100 purchase, you would pay $6.25 in sales tax.
Tax Burden Comparison
| Tax Type | Lowell | Massachusetts Avg | National Avg |
|---|---|---|---|
| Income Tax | 5% | 5% | 4.6% |
| Property Tax | 1.31% | ~1.31% | 1.1% |
| Sales Tax | 6.25% | ~6.25% | 7.12% |
| Overall Burden | High | — | Moderate |
Tax Saving Tips for Lowell Residents
- Massachusetts's income tax rate of 5% is competitive. You may still benefit from maximizing 401(k) contributions ($23,500 limit) to reduce your taxable income at both state and federal levels.
- Property tax in Lowell (1.31%) is above the national average. Check if you qualify for homestead exemptions or assessment appeals to reduce your property tax bill.
- Use a Health Savings Account (HSA) if eligible. Contributions are tax-deductible ($4,300 individual, $8,550 family), growth is tax-free, and withdrawals for medical expenses are tax-free.
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HighCalculate Your Full Massachusetts Tax Burden
See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in Lowell, MA?
Lowell, Massachusetts has a state income tax rate up to 5%. The property tax rate is 1.31% and the combined sales tax rate is 6.25%.
How much is property tax in Lowell?
The effective property tax rate in Lowell is 1.31%. On the median home price of $375,000, this equals approximately $4,913 per year or $409 per month. This is above the national average of 1.1%.
What is the sales tax rate in Lowell?
The combined sales tax rate in Lowell is 6.25%, which includes both state and local components. This is below the national average combined rate of approximately 7.12%.
How does Lowell's tax burden compare to other cities?
Lowell has a high overall tax burden. The effective total tax rate for a median-income household is approximately 30.8%. The combination of 5% state income tax, 1.31% property tax, and 6.25% sales tax determines the total burden. Cost of living index is 108.5 (100 = national average).
Are there any local taxes in Lowell?
Lowell does not impose a separate local or city income tax. Residents pay the state income tax of 5%, federal income tax, and FICA (Social Security and Medicare).